Below policies are participating policies in which the insurance company allows you to participate in policy profits in the form of bonuses. Depending on the policy chosen by policyholder, the following bonuses may be applicable i.e. 1. Reversionary bonus 2. Cash bonus and 3. Terminal bonus

REVERSIONARY BONUS

Reversionary Bonus is the bonus declared every year as a percentage of (Guaranteed Maturity Benefit*/Sum Assured#/Benefit Sum Assured^ + sum of all earlier declared Revisionary Bonuses). It is payable on death of the life assured or maturity of the policy. Below policies are applicable for reversionary bonus :

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Reversionary Bonus
FY 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Savings Suraksha (Limited Pay) 2.50% 2.75% 2.75% 3.00% 3.00% 3.00% 3.00% 3.25% 3.50% 3.50%
Savings Suraksha (Regular Pay) 1.50% 1.50% 1.50% 1.75% 1.75% 1.75% 1.75% 2.00% 2.25% 2.25%
Future Perfect 2.50% 2.50% 2.25% 2.25% 2.25% 2.25% 2.00% - - -
Sukh Samruddhi Lump sum(Limited Pay) 2.50% - - - - - - - - -
Sukh Samruddhi Lump Sum(Regular Pay) 1.50% - - - - - - - - -
Sukh Samruddhi Income (Limited Pay) 1.50% - - - - - - - - -

ICICI Pru Lakshya Wealth

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FY 2023 2022 2021 2020
Premium Payment Term Policy Term        
5 12 3.0% 3.0% 3.0% 3.0%
5 15 3.4% 3.4% 3.4% 3.4%
5 20 4.7% 4.7% 4.7% 4.7%
5 25 5.9% 5.9% 5.9% 5.9%
5 30 7.2% 7.2% 7.2% 7.2%
7 12 2.3% 2.3% 2.3% 2.3%
7 15 2.8% 2.8% 2.8% 2.8%
7 20 4.0% 4.0% 4.0% 4.0%
7 25 5.1% 5.1% 5.1% 5.1%
7 30 6.4% 6.4% 6.4% 6.4%
10 15 2.1% 2.1% 2.1% 2.1%
10 20 3.2% 3.2% 3.2% 3.2%
10 25 4.4% 4.4% 4.4% 4.4%
10 30 5.6% 5.6% 5.6% 5.6%
12 15 1.7% 1.7% 1.7% 1.7%
12 20 2.9% 2.9% 2.9% 2.9%
12 25 4.1% 4.1% 4.1% 4.1%
12 30 5.3% 5.3% 5.3% 5.3%

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Reversionary Bonus
FY 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
ICICI Pru Forever Life (SP) (Par Pension) - 3.50% 3.50% 3.25% 3.00% 2.75% 2.75% 2.75% 3.00% 2.75% 2.75% 2.75% 3.00% 2.75% 2.50% 3.00% 3.25%
ICICI Pru Forever Life (RP) (Par Pension) 3.50% 3.50% 3.50% 3.25% 3.00% 2.75% 2.75% 2.75% 3.00% 2.75% 2.75% 2.75% 3.00% 2.75% 2.50% 3.00% 3.25%
ICICI Pru Smart Kid (Par Life) 3.00% 3.00% 2.75% 2.50% 2.25% 2.00% 2.00% 2.25% 2.50% 2.25% 2.25% 2.25% 2.50% 2.50% 2.25% 3.00% 3.25%
ICICI Pru Save 'n' Protect (Par Life) 2.00% 2.00% 2.00% 2.00% 2.00% 2.00% 2.00% 2.25% 2.50% 2.25% 2.25% 2.25% 2.50% 2.50% 2.25% 3.00% 3.25%
ICICI Pru Cash Bak (Par Life) 2.25% 2.25% 2.25% 2.25% 2.00% 2.00% 2.00% 2.25% 2.50% 2.25% 2.25% 2.25% 2.50% 2.50% 2.25% 3.00% 3.25%
Anmol Bachat (RP) Series I - - 0.90% 0.90% 0.90% 0.90% 0.90% 1.15% 1.40% - - - - - - - -
Anmol Bachat (RP) Series II 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% - - - - - - - - - -
Lakshya Lifelong Income 2.00% 2.00% 1.00% 1.00% - - - - - - - - - - - - -
Cash Advantage 4.50% 4.50% 4.50% 4.50% 4.75% 4.75% 4.75% 5.00% 5.25% - - - - - - - -
One time Bonus (addition to Reversionary bonus)
One time Bonus (Par pension) - - - - - - - - - - - - - 1.25% - - -  
One time Bonus (Par Life) - - - - - - - - - - - - - 1.50% - - -

*GMB stands for Guaranteed Maturity Benefit which will set at policy inception and will depend on policy term, premium, premium payment term, Sum Assured and gender.

# Sum Assured on Maturity is equal to your total premiums paid throughout the policy term.

^ Benefit Sum Assured is declared for ICICI Pru Sukh Samruddhi, which is based on policy term, premium payment term, premium, age and gender.

REVERSIONARY BONUS FOR WHOLE LIFE POLICIES:

Whole Life Policies are insurance plans for which your Life Cover lasts for your entire lifetime. Revisionary Bonuses for these policies are declared regularly and are paid at the time of death claim. For the policies mentioned below, the Reversionary bonus is declared on a Simple Interest basis as a percentage of the Sum Assured.

POLICY NAME: ICICI PRU WHOLE LIFE

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Premium Payment Term FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013 FY 2012 FY 2011
Up to 15 years 3.25% 3.25% 3.25% 3.00% 3.00% 3.00% 3.00% 3.25% 3.50% 3.50% 3.50% 3.50% 3.50%
16 to 20 years 3.65% 3.65% 3.65% 3.40% 3.40% 3.40% 3.40% 3.65% 3.90% 3.90% 3.90% 3.90% 3.90%
21 to 25 years 4.45% 4.45% 4.45% 4.20% 4.20% 4.20% 4.20% 4.45% 4.70% 4.70% 4.70% 4.70% 4.70%
26 years and above 4.85% 4.85% 4.85% 4.60% 4.60% 4.60% 4.60% 4.85% 5.10% 5.10% 5.10% 5.10% 5.10%

POLICY NAME: ICICI PRU FUTURE SECURE

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Policy Term FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013 FY 2012 FY 2011
Up to 15 years 3.35% 3.35% 3.35% 3.10% 3.10% 3.10% 3.10% 3.35% 3.60% 3.60% 3.60% 3.60% 3.60%
16 to 20 years 3.75% 3.75% 3.75% 3.50% 3.50% 3.50% 3.50% 3.75% 4.00% 4.00% 4.00% 4.00% 4.00%

CASH BONUS

Cash Bonus is the bonus declared every year as a percentage of annualized premium. It is payable basis the chosen income frequency. Cash Bonus is applied through the simple bonus method. Below policy is applicable for Cash bonus:

ICICI Pru Gold

For ICICI Pru Gold, the Cash Bonus is declared as a percentage of annualized Premium.

Cash Bonus Rates for Immediate Income plan
Age At Entry/Premium Payment Term 5 6 7 8 9 10 11 12
Up to 25 years 14.00% 16.50% 18.50% 20.50% 20.75% 22.50% 23.75% 25.50%
26 to 30 years 14.00% 16.50% 18.50% 20.50% 21.00% 23.00% 24.50% 26.00%
31 to 35 years 14.00% 16.50% 18.50% 20.75% 21.75% 23.75% 25.00% 27.00%
36 to 40 years 14.00% 16.25% 18.50% 20.75% 22.00% 24.00% 25.00% 27.00%
41 to 45 years 13.00% 15.50% 18.00% 20.00% 22.25% 24.00% 25.00% 26.50%
46 to 50 years 12.00% 14.75% 17.50% 20.00% 23.00% 25.50% 26.00% 26.50%
51 to 55 years NA 12.50% 16.75% 19.00% 21.75% 25.00% 24.75% 24.50%
56 to 60 years NA NA 14.25% 17.00% 20.25% 23.50% 23.50% 22.50%
Cash Bonus Rates for Immediate Income with Booster plan
Age At Entry/Premium Payment Term 5 6 7 8 9 10 11 12
Up to 25 years NA 16.50% 18.50% 20.50% 20.75% 22.50% 23.75% 25.50%
26 to 30 years NA 16.50% 18.50% 20.50% 21.00% 23.00% 24.50% 26.00%
31 to 35 years NA 16.50% 18.50% 20.75% 21.75% 23.75% 25.00% 27.00%
36 to 40 years NA 16.25% 18.50% 20.75% 22.00% 24.00% 25.00% 27.00%
41 to 45 years NA 15.50% 18.00% 20.00% 22.25% 24.00% 25.00% 26.50%
46 to 50 years NA 14.75% 17.50% 20.00% 23.00% 25.50% 26.00% 26.50%
51 to 55 years NA NA 16.75% 19.00% 21.75% 25.00% 24.75% 24.50%
56 to 60 years NA NA NA 17.00% 20.25% 23.50% 23.50% 22.50%
Cash Bonus Rates for Deferred Income plan
Deferred by 1 Year
Age At Entry/Premium Payment Term 5 6 7 8 9 10 11 12
Up to 25 years NA NA 20.25% 22.50% 22.75% 24.75% 26.00% 27.75%
26 to 30 years NA NA 20.25% 22.50% 23.00% 25.25% 26.75% 28.50%
31 to 35 years NA NA 20.25% 22.75% 23.75% 26.00% 27.25% 29.50%
36 to 40 years NA NA 20.50% 23.00% 24.25% 26.50% 27.50% 29.50%
41 to 45 years NA NA 20.00% 22.25% 24.50% 26.50% 27.50% 29.25%
46 to 50 years NA NA 18.75% 22.25% 25.50% 28.00% 28.50% 29.25%
51 to 55 years NA NA NA 21.00% 24.25% 27.75% 27.25% 27.00%
56 to 60 years NA NA NA NA 22.75% 26.25% 26.25% 25.25%

There will be additional benefit payable for policies with Annualized Premium more than ₹ 50,000. The additional guaranteed income rate, expressed as % of Annualized Premium, for each premium band threshold is provided in the table below:

Annualized Premium 50,000 100,000 200,000 300,000 500,000 ≥ 1,000,000
Additional rate 0.00% 0.75% 1.00% 1.75% 2.00% 2.00%

For annualized premiums in between band thresholds, the additional rate will be linearly interpolated.

TERMINAL BONUS

Terminal bonus is declared as a percentage of the Sum Assured and is payable on death of the life assured or maturity of the policy for all participating policies.

(For ICICI Pru Savings Suraksha - Regular pay & ICICI Pru Savings Suraksha - Limited pay, where the terminal bonus rate is declared as a percentage of sum of guaranteed maturity benefit and vested reversionary bonus).

Below policies are applicable for Terminal bonus :

POLICY NAME: ICICI PRU CASHBAK SERIES II(UIN: 105N005V02)

 

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Policy Term FY 2023 FY 2022 FY 2021 FY 2020-FY 2017
15 20% 25% 25% 25%
20 40% 45% - -
21 & Above years 40% - - -

POLICY NAME: ICICI PRU SMARTKID SERIES I(UIN: 105N014V01)

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Policy Term FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013
11 - - - - - - - - - 25% 25%
12 - - - - - - - - - 25% 25%
13 - - - - - - - - 35% 25% -
14 - - - - - - - 35% 35% 25% -
15 - - - - - - 45% 35% 35% 25% -
16 - - - - - 45% 45% 35% 35% 25% -
17 - - - - 50% 45% 45% 35% 35% 25% -
18 - - - 55% 50% 45% 45% 35% 35% 25% -
19 - - 65% 55% 50% 45% 45% 35% 35% 25% -
20 - 75% 65% 55% 50% 45% 45% 35% 35% 25% -
21 70% 75% 65% 55% 50% 45% 45% 35% 35% 25% -
22 & Above years 75% 75% 65% 55% 50% 45% 45% 35% 35% 25% -

Terminal bonus for Smartkid Series I, for 2011-2012 :20%

POLICY NAME: ICICI PRU SMARTKID SERIES II(UIN: 105N014V02)

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Policy Term FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013
10 - 20.0% 20.0% 15.0% 15.0% 15.0% 15.0% 15.0% - 15.0% 15.0%
11 - 20.0% 20.0% 15.0% 20.0% 20.0% 20.0% 20.0% 25.0% 20.0% 20.0%
12 17.5% 25.0% 25.0% 20.0% 25.0% 25.0% 25.0% 25.0% 25.0% 20.0% 20.0%
13 22.5% 30.0% 30.0% 30.0% 35.0% 35.0% 35.0% 25.0% 25.0% 20.0% 20.0%
14 25.0% 35.0% 35.0% 30.0% 35.0% 35.0% 35.0% 25.0% 25.0% 20.0% 20.0%
15 30.0% 40.0% 40.0% 35.0% 35.0% 35.0% 35.0% 25.0% 25.0% 20.0% 20.0%
16 35.0% 45.0% 45.0% 45.0% 45.0% 35.0% 35.0% 25.0% 25.0% 20.0% 20.0%
17 40.0% 50.0% 50.0% 50.0% 45.0% 35.0% 35.0% 25.0% 25.0% 20.0% 20.0%
18 47.5% 60.0% 60.0% 50.0% 45.0% 35.0% 35.0% 25.0% 25.0% 20.0% 20.0%
19 52.5% 65.0% 65.0% 50.0% 45.0% 35.0% 35.0% 25.0% 25.0% 20.0% 20.0%
20 57.5% 65.0% 65.0% 50.0% 45.0% 35.0% 35.0% 25.0% 25.0% 20.0% 20.0%
21 and above 60.0% 65.0% 65.0% 50.0% 45.0% 35.0% 35.0% 25.0% 25.0% 20.0% 20.0%

Terminal bonus for Smartkid Series I, for 2012 :15%

POLICY NAME: ICICI PRU Save ‘n’ Protect Series I(UIN: 105N004V01)

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Policy Term FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013
10 5.0% 10.0% 15.0% 15.0% 15.0% 15.0% 15.0% 20.0% 30.0% - -
11 to 12 20.0% 30.0% 30.0% 25.0% 30.0% 30.0% 30.0% 30.0% 40.0% 25.0% 25.0%
13 to 15 20.0% 30.0% 30.0% 25.0% 30.0% 30.0% 30.0% 30.0% 40.0% 30.0% 30.0%
16 20.0% 35.0% 35.0% 40.0% 35.0% 35.0% 35.0% 30.0% 40.0% 30.0% 30.0%
17 30.0% 35.0% 35.0% 40.0% 35.0% 35.0% 35.0% 30.0% 40.0% 30.0% 30.0%
18 30.0% 35.0% 35.0% 40.0% 35.0% 35.0% 35.0% 30.0% 40..0% 30.0% 30.0%
19 47.5% 45.0% 50.0% 45.0% 45.0% 35.0% 35.0% 30.0% 40.0% 30.0% 30.0%
20 47.5% 45.0% 50.0% 45.0% 45.0% 35.0% 35.0% 30.0% 40.0% 30.0% 30.0%
21 47.5% 55.0% 55.0% 45.0% 45.0% 35.0% 35.0% 30.0% 40.0% 30.0% 30.0%
22 and above 50.0% 55.0% 55.0% 45.0% 45.0% 35.0% 35.0% 30.0% 40.0% 30.0% 30.0%

Terminal bonus for Save ‘n’ protect Series I, for 2011-2013: 20% & For 2010 : 15%

POLICY NAME: ICICI PRU Save ‘n’ Protect Series II(UIN: 105N004V02)

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Policy Term FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013
8-9 - - - - - - - - 25.0% 15.0% 15.0%
10 10.0% 20.0% 20.0% 20.0% 20.0% 20.0% 20.0% 20.0% 25.0% 15.0% 15.0%
11 12.5% 20.5% 25.0% 20.0% 20.0% 20.0% 20.0% 20.0% 25.0% 20.0% 20.0%
12 15.0% 25.0% 25.0% 25.0% 25.0% 25.0% 25.0% 25.0% 25.0% 20.0% 20.0%
13 20.0% 30.0% 30.0% 30.0% 30.0% 30.0% 30.0% 25.0% 25.0% 20.0% 20.0%
14 22.5% 35.0% 35.0% 30.0% 30.0% 30.0% 30.0% 25.0% 25.0% 20.0% 20.0%
15 22.5% 35.0% 35.0% 30.0% 30.0% 30.0% 30.0% 25.0% 25.0% 20.0% 20.0%
16 25.0% 40.0% 40.0% 30.0% 30.0% 30.0% 30.0% 25.0% 25.0% 20.0% 20.0%
17 30.0% 45.0% 45.0% 35.0% 35.0% 30.0% 30.0% 25.0% 25.0% 20.0% 20.0%
18 40.0% 50.0% 50.0% 40.0% 35.0% 30.0% 30.0% 25.0% 25.0% 20.0% 20.0%
19 42.5% 55.0% 60.0% 40.0% 35.0% 30.0% 30.0% 25.0% 25.0% 20.0% 20.0%
20 45.0% 55.0% 60.0% 40.0% 35.0% 30.0% 30.0% 25.0% 25.0% 20.0% 20.0%
21 & Above years 47.5% 55.0% 60.0% 40.0% 35.0% 30.0% 30.0% 25.0% 25.0% 20.0% 20.0%

Terminal bonus for Save ‘n’ protect Series II, for 2011-2012: 15%.

POLICY NAME: ICICI PRU WHOLE LIFE(UIN: 105N116V01)

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Policy Term FY 2023 FY 2022 FY 2021 FY 2020
10-11 35% 45% 45% 35%
12 & Above 40% 45% 45% -

POLICY NAME: ICICI PRU FUTURE SECURE(UIN: 105N117V01)

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Policy Term FY 2023 FY 2022 FY 2021 FY 2020
10-11 - - - 45%
10 & Above years - - 45% -
11 & Above years - 45% - -
12 & Above years 40% - - -

POLICY NAME: ICICI PRU Forever Life Regular Premium Series I(UIN: 105N001V01)

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Policy Term FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013 FY 2012 FY 2011
11 - - - - - - - - - - 25% - -
12 - - - - - - - - - 25% 25% - -
13 - - - - - - - - 35% 25% - - -
14 - - - - - - - 35% 35% - - - -
15 - - - - 35% 35% 35% 35% 35% - - - -
16 - - - - 35% 35% 35% 35% 35% - - - -
17 - - - - 35% 35% 35% 35% 35% - - - -
18 - - - 55% 35% 35% 35% 35% 35% - - - -
19 - - 55% 55% 35% 35% 35% 35% 35% - - - -
20 - 55% 55% 55% 35% 35% 35% 35% 35% - - - -
21 & Above years 80% 55% 55% 55% 35% 35% 35% 35% 35% - - - -

Terminal bonus for Forever Life Regular Premium Series I, For 2010 : 15%, 2011,2012 :20%

POLICY NAME: ICICI PRU Forever Life Regular Premium Series II(UIN: 105N001V02) 

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Policy Term FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013 FY 2012 FY 2011
5 - - - - - - - 20% 20% 20% 20% 15% 10%
6 - - - - - - 20% 20% 20% 20% 20% 15% 10%
7 - - - - 20% 20% 20% 20% 20% 20% 20% 15% 10%
8 - - - - 20% 20% 20% 20% 20% 20% 20% 15% 20%
9 - - - - 20% - - 20% 20% 20% 20% 15% 25%
10 - - 25% 25% 25% 25% 25% 30% 35% 20% 20% 15% 25%
11 - 20% 25% 25% 25% 25% - 30% 35% 20% 20% 15% 25%
12 - 25% 35% 35% 35% 35% 35% 35% 35% 20% - 15% 25%
13 80% 30% 35% 35% 35% 35% 35% 35% 35% - - 15% 25%
14 80% 30% 35% 35% 35% 35% 35% 35% 35% - - 15% 25%
15 80% 40% 40% 40% 35% 35% 35% 35% 35% - - 15% 25%
16 80% 45% 45% 45% 35% 35% 35% 35% 35% - - 15% 25%
17 80% 50% 50% 50% 35% 35% 35% 35% 35% - - 15% 25%
18 80% 55% 55% 50% 35% 35% 35% 35% 35% - - 15% 25%
19 80% 55% 55% 50% 35% 35% 35% 35% 35% - - 15% 25%
20 80% 55% 55% 50% 35% 35% 35% 35% 35% - - 15% 25%
20 & Above years 80% 55% 55% 50% 35% 35% 35% 35% 35% - - 15% 25%

Terminal bonus for Forever Life Regular Premium Series II, For 2010 : 20%, 2009 :5%

POLICY NAME: ICICI PRU CASHBAK SERIES I (UIN: 105N005V01/105N005V02)

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Policy Term FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015
15 - - - - - - 35% 35% 35%
16 -19 - - - - - - - 35% 35%
20 - 50% 50% 50% - - - 35% 35%

POLICY NAME: ICICI Pru Anmol Bachat Series I(UIN: 105N139V01)

Policy Term FY 2023-FY 2021 FY 2020 FY 2019
5 - 10% 10%

POLICY NAME: ICICI Pru Forever Life Single Premium(UIN: 105N002V01)

Policy Term FY 2023-FY 2018 FY 2017 FY 2016 FY 2015 FY 2014 FY 2013
11 - - 35% - - 30%
12 - - - - 30% 30%
13 - - - 40% 30% -
14 - - 35% 40% - -
15 - 35% 35% 40% - -

Terminal bonus for Forever Life Single premium For FY 2012, 2011 & 2010 : 25%, 2009 :10%

POLICY NAME: ICICI PRU SAVING SURAKSHA LP(UIN: 105N135V01)

Policy Term FY 2023
10 & Above years 15.5%

POLICY NAME: ICICI PRU SAVING SURAKSHA RP

Policy Term FY 2023
10 & Above years 15.5%



Past performance not indicative of future performance.

© 2015, ICICI Prudential Life Insurance Co. Ltd. Registered Address: ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Reg No: 105. Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions, please read the product brochure carefully before concluding a sale. COMP/DOC/Feb/2024/22/5368.

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